Personal Investments • 35 year old portfolio review, looking for improvement or red flags

35 single / no kids. Stable job with $150k base with option of $50k yearly bonus. No debt.

Currently renting at around $2k per month in a moderate to high cost of living city.

Looking for any red flags on my portfolio and opportunities to improve. My asset allocation as noted is heavy equity mutual fund/ETF (80%+).

I am expecting my aforementioned bonus in the coming months which will provide an opportunity to invest. Thank you!

Gross income typically $200k (pretax)
Annual expense $35k-$40k (rent, insurance)
Annual savings typically $45k-$50k

Net worth +$659k

Savings (+$100k)

* $100,000 - Various CD Ladders

Investments (+$489k)

Brokerage ($45k)

* $45,000 - Vanguard SP 500 ETF (VOO)

Traditional IRA ($95k)

* $72,000 - Total Stock Market (VTSAX)
* $17,000 - Total World (VTIAX)
* $5,000 - Total Bond (VBTLX)

Roth IRA ($74k)

* $73,000 - Target Retirement Fund (VFFVX)
* $1,000 - Vanguard Total World Stock (VT)

Employer 401k (+$263)

* $115,000 - State Street S&P 500 (SSSYX)
* $70,000 - State Street All Cap (SSGLX)
* $40,000 State Street Mid Cap (SSMLX)
* $21,000 - Invesco Small Cap (GTSFX)
* $9,000 - Invesco Fixed Income
* $8,000 - Invesco Dividend Trust (INVDDC)

Cryptocurrency (+$12k)

* $12,000 - Bitcoin

Other Accounts (+$70k)

* $47,000 - HSA (Invested in VOO)
* $20,000 - Car (Paid off)
* $3,000 - Employee Stock Holdings

Statistics: Posted by SpaceSashimi — Fri Jan 03, 2025 11:50 am — Replies 4 — Views 237

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